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Natwest Question
Hi After a lot of consideration and worry I think I am going to be requesting a debt mgt plan with Step Change. Filled in their online questionnaire/calculator and this what their advice came back with. However quick question. My mortgage is with Natwest (£100K equity in the house). My main bank is Natwest also and I have…
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Urgent request ref Statute Barred on care home fees
Good afternoon all, Just a quick one for the forum experts - I think I am right in the following scenario that has raised it's ugly head, but need reassurance. Great Aunt suffering from severe dementia gets admitted to a Local Authority run care home after suffering a series of incidents (wandering through streets at all…
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What small DFW things will you do today - weekend 22/23rd
Hey up chaps - wot no thread? Has it moved? If its not up I'll start one When we start out on the Debt-Free Wannabe trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the Gym. But once we have done…
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Reclaiming OD fees
So I received a letter from my bank today telling me that since Feb '13 I have had over £1000 of fees applied to my account! ...no wonder I'm falling faster into debt! Anyway I'm starting a DMP for about £12,000 of debt in March and the OD of the account will be one of the things looked into. I've heard in the past that it…
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CCJ received for 7 year old debt
Hi All I would be grateful for some advice as to how best to proceed , i will try and make a long story short i got into a mess in 2006 joined a CCCS dmp and paid the majority of my debts off, tbh by 2011 I was exhausted by 5 years of living on the bread line, most of my debts were paid off and there were a couple left…
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Need advice and support please.
Hi all. This is going to be a long one so pour yourself a cuppa. My partner has unpaid debt from before we met, I can't be sure how much as he refused to talk about and now that he does, he can't remember exactly what he owes and can only guess that it is something in the range of £10,000. We have been together for 4 years…
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Mobile Phones : EVERYONE review.
To all those that are helping people on the mobile phone costs. The cheapest option for most people will now be OVIVO, £0pm for mins, text and data followed by the traditional advice to look at PAYG options. To all those that are on PAYG review your use and see if OVIVO will save you money. www.ovivomobile.com
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Advice Before DMP
Circumstances have changed and I'm just am not making progress with the snowballs. Done the Stepchange plan and they think around 5 years with a realistic budget. Going to go for it because as much as I kid myself the snowballing was not working. Question is about a single credit card debt though. Although we have a lot…
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default (natwest)
i just recieved a default notice from natwest on my credit card account.on the letter they say they have been contacted by stepchange debt charity.who have advised that you are arranging a repayment program through them.they went on to say ,we confirm that we will accept the proposed repayment plan but it is necessary for…
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Write off debts - can it happen ??
Dear All I have a debt which I have been paying and the collection agency has sent me several letters in the past offering a settlement agreement (but not specifying nay figures or percentages). I am now possible in a position to pay off say 30% of this debt in one hit (which is significant - more than they will get in 12…
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Debt been delted from credit file !!
Dear All I have a debt which I have been paying off for some years, it is already defaulted and with a debt collection agency and the payment arrangements are going well. It would essentially drop off my Credit file in August next year but I have noticed its been 'Deleted' from all my credit reference agencies - does…
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2 Question
Hello I have a couple of questions regarding debt whilst looking through my credit file it says I have one negative factor, I do not have any settled credit accounts? I have a credit card which I have had for 14 years and never made a late payment or gone over my credit limit, I also have my mobile phone account which I…
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Join us on twitter for #dfwbloggers this evening - you don't have to be a blogger!
Evening everyone! It's that time of the week again. If you're around and fancy a natter with other DFWs on twitter just grab a comfy chair, a virtual glass of your favourite tipple and follow this twitter search link for #dfwbloggers to join us at 8.30pm :) #dfwbloggers is just the name we chose for the hashtag - you don't…
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Is this usual?
Hi I posted a thread in December asking for advice re an old credit card debt. It was through Alliance and Leicester. They hadn't contacted me for years after I defaulted having told me that they did not have a signed credit agreement. I had continued to pay £300 per month. I was advised to check on Noddle which I did, was…
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Equita Bailiff Help
Hi, Just wondering if anyone can help with a query on Equita bailiffs. Me and my girlfriend moved out a previous property last August and transferred our council tax to our new property with no known problems. We have today received forwarded mail from our old property as we understand it has only just gone back up on the…
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Debt collector getting a taste of their own medicine
Hey folks, been years since I logged in here but lurked every so often to read what the swines at DCA have been upto. Well my post is really about who hates the underhanded ways in which Debt Collectors work and how they break the laws?? Who also hates how often they get away with it?? Who thinks it would be awesome if…
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LCS letter - previous owner had Eon debt
I have received a debt collection letter from LCS & wondered on the best course of action ? To summarise: - completed on house 3rd Dec '13 - house was previously tenanted, tenants left 2 weeks before completion, thus landlord becomes responsible for 2 weeks of standing charge - Eon repeatedly write to request payment from…
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Serious Debt Collection Letter - Worried about Baliff's
Hi I am currently 21 years old and £30k in debt to many many different companies. I am severely depressed and have no will, no way, and no energy to resolve this currently. I have about 4 letters a day, most I dont even read. I have absoloutley no assets whatsoever, I have a car which is leased for me. I am not worried…
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Setting up my own repayment plan
Hello This is my first post and first day on here, so I apologise if I am repeating a thread previously done. I earn a decent amount of money, but have ridiculously high outgoings due to debt built up in my younger days. My earnings mean that I do not qualify for a number of the debt repayment prroducts and plans…
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How do i lower credit card APR
I have a halifax credit card on 19.9% which i have closed but still paying back, what is the best way to lower the APR. Can I just ask?
